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Currently, merchants can pass along fees equal to what they pay to accept the card, up to 4 percent. However, when merchants add a surcharge to Visa and MasterCard transactions, they must also add it to purchases on American Express cards.
Retailers have long been complaining about swipe fees where credit card processors charge a fee to the retailer every time a customer uses a credit card to pay for their purchase. After the settlement and new agreement, some retailers would be permitted to impose a surcharge for credit card purchases.